Home Insurance in Pulaski County, Indiana
With a median home value of $156,400, Pulaski County is 28% lower than the Indiana median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pulaski County was built around 1970. About 41% of homes were built before 1960, about 10 points above Indiana's 31%.
In Pulaski County, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pulaski County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pulaski County has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pulaski County, 48% of homes are primarily heated with natural gas.
Per FEMA's National Risk Index, Pulaski County's top hazards are hail (Relatively Low), earthquake (Very Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pulaski County has 60 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Indiana is $1,259 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $156,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 60 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)